Save 40% or More on Auto Insurance

Car insurance prices in Fort Wayne are based on many different factors, and one of the largest components is the type of car or truck you own. The next table details insurance cost for some of the most popular vehicles that Fort Wayne drivers insure.

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Estimates do not factor in vehicle location which can change premium rates substantially.

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in zip code location which can affect insurance rates substantially.

Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Indiana minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Premium costs do not factor in specific zip code location which can affect insurance rates substantially.

Eight ways to find cheaper car insurance in Fort Wayne

Many things are used when premium rates are determined. Some factors are common sense like a motor vehicle report, although some other factors are not as apparent such as your credit history and annual miles driven. One of the most helpful ways to save on car insurance is to to have a grasp of a few of the rating criteria that go into determining the rates you pay for car insurance. When consumers understand what impacts premium levels, this enables you to make decisions that could help you find big savings.

• Drivers with responsible credit save – Having a good credit history can be a huge factor in calculating your car insurance rates. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with worse credit. So if your credit history is not that good, you may save money insuring your vehicle by improving your credit score.
• Vocation stress can make you pay more – Did you know your job can affect your rates? Careers such as real estate brokers, airline pilots, and miners tend to have higher average rates because of high stress and incredibly demanding work hours. Conversely, careers such as farmers, students and homemakers receive lower rates.
• Tickets hurt – How you drive influences premium rates substantially. Having just one moving violation can bump up the cost substantially. Careful drivers get better rates as compared to those with violations. Drivers who have gotten multiple violations like DUI, reckless driving or excessive speeding may be required to submit a SR-22 or proof of financial responsibility with their state’s department of motor vehicles in order to prevent their license from being revoked.
• Alarms and GPS tracking lowers rates – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack all aid in stopping your vehicle from being stolen.
• Don’t buy incidental coverages that aren’t used – Insurance companies have many additional extra coverages that sound like a good idea at the time when buying car insurance. Add-on coverages like vanishing deductibles, towing, and membership fees are probably not needed. They may sound like good ideas when talking to your agent, but if you have no use for them consider taking them off your policy.
• Costs are affected by your address – Being located in less populated areas of the country has definite advantages when buying car insurance. Fewer drivers and short commutes means a lower chance of having an accident and also fewer theft and vandalism claims. City drivers have more aggressive driving styles and more severe claims. Spending more time driving means higher likelihood of an accident.
• Gender and insurance coverage – Over the last 30 years, statistics show women are more cautious behind the wheel. The data does not necessarily mean that females are better at driving than males. Both sexes have auto accidents at a similar rate, but the male of the species tend to have more serious accidents. They also get ticketed for serious violations like driving under the influence (DUI).
• Annual miles is a factor – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. A lot of companies calculate prices based upon how you use the vehicle. Autos used primarily for pleasure use cost less to insure than vehicles that are driven to work every day. It’s a smart idea to ensure your car insurance policy correctly shows the right rating data.